# ZayZoon

**Canonical:** https://apis.io/providers/zayzoon/  
**Website:** https://www.zayzoon.com/  
**APIs profiled:** 0

ZayZoon is an Earned Wage Access (EWA) and financial-wellness provider, founded in 2014 with offices in Calgary, Alberta and Scottsdale, Arizona, that lets employees of participating businesses draw a portion of already-earned wages before payday. The product is distributed through payroll, PEO and HCM platforms — ZayZoon advertises 300+ payroll and HCM integrations and is listed on the ADP Marketplace, isolved Network, AllianceHCM, PrismHR, Paylocity and Execupay — and is free for employers, with employees paying a flat per-transfer processing fee or choosing a fee-free option (Boost gift cards, ZayZoon Visa prepaid card). ZayZoon operates a partner API used by payroll providers to exchange employee, hours-worked and deduction data, but it publishes no public developer portal, API reference or machine-readable specification; access is arranged through the partner program. NMLS ID 2635812.

## Kin Score — 28.4 / 100 (thin)

Scored 2026-09-05 under rubric 0.18.3.

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 81.6 |
| Access Clarity | 81.6 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Security (3)

- **Zayzoon Domain Security** — TLSv1.3 · HSTS · DMARC
- **Zayzoon Vulnerability Disclosure** — disclosure policy published
- **Zayzoon Trust Center** — SOC 2 Type II

## Plans (1)

- **Zayzoon Plans Pricing**

## Tags

Company, Earned Wage Access, On-Demand Pay, Payroll, Human Resources, Employee Benefits, Financial Wellness, Fintech, Payments, Embedded Finance

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/zayzoon/). Scores are computed from the provider's own public artifacts under a published rubric.